View 2014 Ford Edge Insurance Quotes

Searching for lower insurance rates for your Ford Edge? Have you fallen victim to high-priced insurance? Trust us when we tell you there are lots of people in the same boat.

Insurance companies such as Allstate, Liberty Mutual and State Farm promote their brand names with catchy ads and it is difficult to ignore the propoganda and take the time to shop coverage around.

Smart consumers take time to compare prices periodically since insurance rates change frequently. Just because you had the best price for Edge insurance a year ago there may be better deals available now. Ignore everything you know about insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

Where Can I Get Cheap Car Insurance?

There are several ways of comparing price quotes from car insurance companies in your area. The easiest way by far to find competitive 2014 Ford Edge insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  1. Probably the best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method saves time by eliminating a different quote for each company you want a rate for. Taking the time to complete one form will get you rate comparisons from car insurance companies with the best prices.
  2. A different way to compare prices is to manually visit each company website and fill out their own quote form. For example, let’s assume you want to compare Farmers, State Farm and Progressive. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using apples-to-apples coverage limits and deductibles for every company. If you enter different deductibles then you won’t be able to decipher which rate is best. Having just a slight variation in limits may cause a big price difference. And when quoting car insurance, remember that quoting more will improve the odds of getting the best offered rates.

Discounts on 2014 Ford Edge insurance

Car insurance can cost a lot, but you can get discounts to help bring down the price. Some discounts apply automatically when you get a quote, but a few must be requested specifically in order for you to get them.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy online.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Distant Student – Children who are attending college and don’t have a car may qualify for this discount.

A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut your premiums.

To see a list of providers with the best car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether you could use an agent’s help.

  • Do I need to file an SR-22 for a DUI in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Which companies will insure high-risk drivers?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How much can I save by bundling my policies?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Ford Edge premiums are determined by many factors

Consumers need to have an understanding of the rating factors that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • One company can mean more discounts – Some insurance companies will award you with lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Do you have enough liability coverage? – Liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Increase deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Edge insurance.
  • Keep rates low by being claim-free – Insurance companies award discounts to people who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Edge.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, doctor visits, nursing services, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, medical expenses, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your Edge resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Be a Smart Shopper

The cheapest 2014 Ford Edge insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

We just presented many ideas to save on insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

More information can be found at the links below